SMITH & BEST INSURANCE INC

Direct Life Insurance Carriers

This includes establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) annuities and life insurance policies, disability income insurance policies, and accidental death and dismemberment insurance policies.

Direct Health and Medical Insurance Carriers

This includes establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) health and medical insurance policies. Group hospitalization plans and HMO establishments that provide health and medical insurance policies without providing health care services are included in this industry.

Direct Property and Casualty Insurance Carriers

This includes establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) insurance policies that protect policyholders against losses that may occur as a result of property damage or liability.

Illustrative Examples:

Automobile insurance carriers, direct
Malpractice insurance carriers, direct
Fidelity insurance carriers, direct
Mortgage guaranty insurance carriers, direct
Homeowners' insurance carriers, direct
Surety insurance carriers, direct
Liability insurance carriers, direct

Direct Title Insurance Carriers

This includes establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) insurance policies to protect the owners of real estate or real estate creditors against loss sustained by reason of any title defect to real property.

Other Direct Insurance (except Life, Health, and Medical) Carriers

This includes establishments primarily engaged in initially underwriting (e.g., assuming the risk, assigning premiums) insurance policies (except life, disability income, accidental death and dismemberment, health and medical, property and casualty, and title insurance policies).

Illustrative Examples:

Bank deposit insurance carriers, direct
Product warranty insurance carriers, direct
Deposit or share insurance carriers, direct
Warranty insurance carriers (e.g., appliance, automobile, homeowners', product), direct

Insurance Agencies and Brokerages

Establishments in this category are primarly engaged in acting as agents (i.e., brokers) in selling annuities and insurance policies.

All Other Insurance Related Activities

This includes establishments primarily engaged in providing insurance services on a contract or fee basis (except insurance agencies and brokerages, claims adjusting, and third party administration). Insurance advisory services, insurance actuarial services, and insurance ratemaking services are included in this industry.